FAQ

What is the Installment Loan?

The Installment Loan is a loan which enables you to enjoy your Dell purchases by making 36 or 48 equal monthly payments, conveniently through our pre-authorized payment plan.

What is a Dell Preferred Account (DPA)?

The Dell Preferred Account provides an easy way to finance your initial Dell Home and Home Office purchase as well as add software, peripherals, or even a new PC to your account.This product is often a great solution for purchases under $500.Payments are the greater of $15 or 3% for each Credit Plan Balance shown on your Account Statement.

Can I have both the DPA and the Installment Loan for the same order?

For one purchase, only one financing plan can be used. For multiple purchases, it is possible to use the Installment Loan or the Dell Preferred Account to make your Dell purchases.

What are the available interest rates?

Interest rates are determined by the Lender, Dell Financial Services Canada, based on its credit underwriting guidelines and depending on your creditworthiness, as determined by Lender in its sole discretion. For the Installment Loan, available interest rates are 13.99%, 16.99%, 18.99%, 21.99%, 26.99% and 28.99%. For the Dell Preferred Account, the interest rate is fixed at 28.99%.

How do I make my monthly payments on the Installment Loan?

By using chequing or savings account details you provide to us, convenient payments will be auto debited from your account on a monthly basis.

How do I make my monthly payments on the DPA?

By using chequing or savings account details you provide to us, convenient payments will be auto debited from your account on a monthly basis.

When is my first payment due on the Installment Loan?

The first payment will be automatically deducted from your bank account 1 month after your entire order is shipped.

When is my first payment due on the DPA?

The first payment will be automatically deducted from your bank account, approximately 1 month after your entire order is shipped.

Why does Dell Financial Services ask for my SIN number?

To complete your financing quickly and efficiently, your SIN number, together with other personal information provided to us by you, is used by Dell Financial Services to access your credit bureau information. SIN numbers are unique. Therefore, a SIN number increases the likelihood we obtain your personal credit file when we place a request to credit reporting agencies.

Am I required to provide my SIN number to Dell Financial Services when I apply for credit?

You are under no obligation to provide your SIN. If you choose not to provide your SIN, Dell Financial Services can still access your credit bureau information but you will need to be prepared to provide Dell Financial Services with other personal information such as a major credit card number and your date of birth.

Why do I have to have the same Bill-to and Ship-to addresses on my order?

To ensure a timely execution of your financing order, the same bill-to and ship-to addresses must be on the order. By having this, it protects you from fraud as well as ensures you will receive the equipment you ordered.

What happens to my order if I am not approved for financing?

Should your order not be approved for financing, you will receive such a message shortly after your credit application is submitted. At this point you will be routed to choose another payment option or you may contact Dell for further assistance.

*Dell Advantage is a consumer program exclusively provided for consumer or home customers that purchase products from Dell at Dell’s “Home & Home office” website (www.dell.ca/home) for their own home or personal use. Dell Advantage is not open to, and/or ePromotional Cards will not be fulfilled or provided for purchases made through Dell’s “Work” or business website or to companies, businesses, resellers, online auctions or for any other non-home use purchase. Dell reserves the right to not fulfil ePromotional Card in these circumstances. Offer contingent upon purchase of eligible products totalling $100 or more during a week long period exclusive of taxes and fees.